Outline of Political Security and Natural Disaster
Evacuation Services
Services Provided
The plan pays for specified costs of emergency
evacuations under certain conditions for covered
members on a Study Abroad program. If a covered
event occurs and eligible members are in imminent
peril, they contact HTH Worldwide’s Global Health
& Safety team. Our team will contact and coordinate
communications and services with Drum Cussac
(DRUM). DRUM makes all determinations as to
covered events and arranging any and all travel
arrangements.
In the event of an emergency security situation or
declared natural disaster, DRUM, on a best-effort
basis, will arrange and pay for an emergency
evacuation by any appropriate means consistent with
the members’ health and safety. Services during the
evacuation may include transportation to the nearest
safe haven and then to the member’s home country,
as well as the arrangement of food, lodging and other
reasonable expenses if required.
Covered Event
A covered event, as determined by DRUM, is when
certain “triggers” occur in the host country. These
triggers may include, but are not limited to:
 The Appropriate Authority issues a travel advice
for a particular country or region where the study
program is being conducted, including travelling
to or from the program, recommends that a
Covered Member should leave that country or
region; or
 The recognized Government in the Host
Country:
i. declares a state of emergency necessitating
immediate evacuation; or
ii. formally recommends or instructs that a
Covered Member should leave that country
or region for safety; or
iii. seizes, confiscates or expropriates a Covered
Member’s property; or
iv. expels the Covered Member or declares the
Covered Member “persona non grata”; or
v. withdraws all scheduled international
commercial flights for a period in excess of 24
hours as a result of political or military action
intervention which has a direct impact on a
Covered Member’s safety and prevents the
Covered Member leaving the country; or
 Natural disaster within the Host Country
making it uninhabitable which has a direct
impact on a Covered Member and the Covered
Member’s safety; or
 The political or military events in the country the
Covered Member is staying in represent an
imminent threat of bodily harm to the Covered
Member’s safety.
What Program Sponsors and Covered
Members Need to Do
To assure that services are covered, both members
and the Study Abroad program sponsor must adhere
to certain guidelines, including:
 advising HTH Worldwide’s Global Health &
Safety team immediately of any situation that
may give rise to a covered event as soon as
reasonably possible;
 providing DRUM with all assistance and
information requested in a timely manner;
 following DRUM’s advice all times;
 not making or attempting to make arrangements
without DRUM’s agreement.
 contacting HTH Worldwide’s Global Health &
Safety team or DRUM as soon as possible after
the Host Country issues the official disaster
declaration.
 taking all reasonable precautions to avoid
accident, injury, or illness to any member, or loss,
destruction, or damage to their property.
Covered Services are provided in conjunction with but are separate from Worldwide Insurance Services, LLC Student Study
Abroad policies. This outline is an overview of the indemnified services and is not comprehensive for all terms and restrictions to
those Services which are detailed in the Program Application and Service Agreement. This is not a contract of insurance. If there are
any conflicts or differences between this overview and the full Program Application and Service Agreement, the Program Application
and Service Agreement will control.
 Where a Covered Member is entitled to any
refund on unused tickets or returnable deposits
or advanced payments, the Covered Member or
the Program Sponsor must pay the refund to
DRUM.
Delays in contacting HTH Worldwide’s Global
Health & Safety team or DRUM may make safe
transportation impossible. The method of
transportation will be as deemed most appropriate to
ensure member safety. If evacuation becomes
impractical due to hostile or dangerous conditions,
DRUM will maintain contact with and will advise
members until evacuation becomes viable or the
natural disaster situation has been resolved.
What is Not Covered?
A partial list of circumstances where DRUM will not
be obliged to provide assistance includes:
 DRUM’s advice is not followed
 The evidence available to DRUM shows there is
no direct threat to member safety.
 Members take part in any political activity in the
host country.
 The emergency results from members’ actual or
alleged violation of the laws of the host country.
 The emergency results from members’ failure to
possess the required immigration, work,
residence or similar visas or permits, or other
relevant documentation.
 At inception of travel, members or program
sponsors had prior knowledge of the covered
event or had received information of any specific
matter, fact or circumstance which would lead to
the covered event.
 DRUM is not able to provide assistance without
breaching any applicable laws or regulations.
 Any information provided by members or
program sponsors is knowingly fraudulent or
exaggerated, or if there has been a failure to
disclose a material fact.
 Once DRUM has acknowledged that a
Triggering Event has occurred, and DRUM
starts to make material arrangements
regarding the Evacuation, the Covered
Member is under obligation to accept the
Evacuation arrangements at the time or as
reasonably practicable. DRUM is under no
obligation if the arrangements not accepted.
Coverage Limits
DRUM’s obligation to pay for any one member’s
evacuation is limited to $100,000 subject to a
combined $5,000,000 aggregate limit per any one
covered event for all persons covered under the plan,
and under no circumstances shall the obligation of
DRUM exceed $10 million in the aggregate per the
duration of the Service Agreement. While this is an
indemnified service and is not an insurance contract,
DRUM is insured for any covered expenses.
Should a member to be moved to a safe haven during
an evacuation, DRUM shall provide up to ten (10)
days’ lodging in reasonable accommodation where
the member is delayed at a safe departure point.
DRUM shall also provide air travel of a reasonable
standard to return the member to his/her home
country or country of permanent residence, with
Agreement
by DRUM, from the safe haven
following a Natural Disaster or Political Evacuation.
Unless otherwise agreed to by DRUM, reasonable
expenses for accommodation at a Safe Haven and air
travel cost from a Safe Haven to a Home Country or
otherwise is limited to $15,000.
The return of remains as a result of death during a
Covered Event is limited to $10,000.
Travel to Afghanistan, Algeria, Egypt, Iraq,
Libya, Niger, North Korea, Somalia, South
Sudan, Sudan, Syria, or Yemen require written
agreement from DRUM prior to travel.
The Application and Service Agreement contain the
complete list of coverage exclusions and limitations.
Coverage and service decisions, including all
transportation services, payments and arrangements are
determined by DRUM security personnel, in accordance
with local and U.S. authorities.
In an emergency contact:
Global Health & Safety
800.257.4823 (Toll Free USA)
1.610.254.8771 (Collect)
Covered Services are provided in conjunction with but are separate from Worldwide Insurance Services, LLC Student Study Abroad
policies. This outline is an overview of the indemnified services and is not comprehensive for all terms and restrictions to those Services
which are detailed in the Program Application and Service Agreement. This is not a contract of insurance. If there are any conflicts or
differences between this overview and the full Program Application and Service Agreement, the Program Application and Service Agreement
will control.